Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
FG · NYSE · United States · Life Insurance
In shortF&G Annuities & Life, Inc. is profitable.
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 4.6% | 38/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 6.1% | 30/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 81.7% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 17.66× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 5 | 80/100 |
|---|---|---|
| Years of revenue decline (last 5) | 2 of 4 | 17/100 |
| Revenue growth volatility | 55.7% | 0/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 34.6% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | -30.2% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 3,974 | 2,349 | 4,500 | 5,744 | 5,731 |
| Interest expense | 29 | 29 | 97 | 132 | 164 |
| Pre-tax income | 1,552 | 793 | (35) | – | 323 |
| Income tax | 320 | 158 | 23 | 136 | 52 |
| Net income | 1,240 | 635 | (58) | 639 | 265 |
| Diluted EPS | $11.81 | $5.52 | −$0.47 | $4.88 | $1.88 |
| Diluted shares (millions) | 105 | 115 | 124 | 131 | 132 |
Not computed: the model does not apply to banks and insurers.
4/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 6, 2026